Have been reading the forums, trying to figure out a good Social Security strategy:
I have seen threads on maximizing the amount of ss; threads about survivor benefits; and discussions about how the 2015 laws changed the 'file and suspend' option.
I find one thing the most confusing: It seems as if many threads conclude that the lower earning spouse should claim at 62. What are the reasons behind that thought? Is that still current after the 2015 changes?
If the greatest risk is that both members of a couple will need expensive old age care, does it make sense for both to hold off until they claim at 70 (assuming they can afford to wait)? If not, plz explain.
I have seen threads on maximizing the amount of ss; threads about survivor benefits; and discussions about how the 2015 laws changed the 'file and suspend' option.
I find one thing the most confusing: It seems as if many threads conclude that the lower earning spouse should claim at 62. What are the reasons behind that thought? Is that still current after the 2015 changes?
If the greatest risk is that both members of a couple will need expensive old age care, does it make sense for both to hold off until they claim at 70 (assuming they can afford to wait)? If not, plz explain.